Call reports 2008
VALLEY BANK — 2008
What VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 157,806,000 | 164,359,000 | 181,579,000 | 172,202,000 |
| Total loans | 111,372,000 | 110,986,000 | 109,785,000 | 106,600,000 |
| Allowance for loan losses | 974,000 | 1,074,000 | 1,098,000 | 1,074,000 |
| Securities available for sale | 15,783,000 | 9,005,000 | 18,598,000 | 19,490,000 |
| Securities held to maturity | 18,691,000 | 30,104,000 | 28,881,000 | 28,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,773,000 | 127,836,000 | 151,614,000 | 142,418,000 |
| Interest-bearing deposits | 111,719,000 | 121,432,000 | 145,105,000 | 134,911,000 |
| Noninterest-bearing deposits | 7,054,000 | 6,404,000 | 6,509,000 | 7,507,000 |
| Equity capital | 15,302,000 | 15,182,000 | 15,344,000 | 15,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,394,000 | 4,754,000 | 7,402,000 | 9,816,000 |
| Interest expense | 1,471,000 | 2,856,000 | 4,363,000 | 5,847,000 |
| Net interest income | 923,000 | 1,898,000 | 3,039,000 | 3,969,000 |
| Noninterest income | 16,000 | 537,000 | 504,000 | 539,000 |
| Noninterest expense | 1,145,000 | 2,228,000 | 3,272,000 | 4,366,000 |
| Provision for loan losses | 0 | 415,000 | 515,000 | 561,000 |
| Pretax income | -205,000 | -108,000 | -96,000 | -119,000 |
| Income tax | -100,000 | -92,000 | -103,000 | -137,000 |
| Net income | -105,000 | -16,000 | 7,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,399,000 | 12,499,000 | 12,537,000 | 12,563,000 |
| Total capital | 13,373,000 | 13,573,000 | 13,635,000 | 13,637,000 |
| Risk-weighted assets | 125,663,000 | 126,772,000 | 129,934,000 | 148,185,000 |
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